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Atlantic Union Bankshares (AUB) investor relations material
Atlantic Union Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Reported Q3 2025 net income available to common shareholders of $89.2 million and adjusted operating earnings of $119.7 million, reflecting strong core performance and the impact of the Sandy Spring acquisition, which expanded presence and increased assets, loans, and deposits.
Completed integration of Sandy Spring Bancorp, including core systems conversion and branch consolidation, with cost-savings targets and enhanced earnings power expected by 2026.
Focused on sustainable growth, top-tier financial performance, and long-term shareholder value, leveraging expanded presence in attractive markets.
Achieved significant increases in average balances, net interest income, and noninterest income compared to 2024, despite higher noninterest expenses and integration costs.
Financial highlights
Net interest income for Q3 2025 was $319.2 million, with net interest margin (FTE) steady at 3.83%; total assets reached $37.1 billion, up $12.5 billion year-over-year, and loans held for investment were $27.4 billion.
Adjusted operating return on tangible common equity was 20.1%, adjusted operating ROA was 1.30%, and adjusted operating efficiency ratio (FTE) was 48.8%.
Noninterest income for Q3 2025 was $51.8 million, up 50.9% year-over-year, but down sequentially due to prior quarter gains on CRE loan and equity sales.
Noninterest expense for Q3 2025 was $238.4 million, up 94.5% year-over-year, mainly due to higher salaries, merger-related costs, and other acquisition expenses.
Allowance for credit losses was $320 million (1.17% of loans), with net charge-offs at 56 bps for Q3 and 23 bps YTD.
Outlook and guidance
Year-end 2025 guidance: period-end loans $27.7–28.0B, deposits $30.8–31.0B, net interest income $1.16–1.165B, net interest margin 3.75–3.8%, and efficiency ratio in the mid-40s for 2026.
Adjusted operating noninterest income expected at $185–190M and noninterest expense at $675–680M for the year.
Management expects to realize further cost savings and business synergies from recent acquisitions and plans organic North Carolina expansion with 10 new branches over 3 years.
Regulatory capital ratios are expected to remain above well-capitalized standards.
Are Q3 C&I charge-offs isolated events?
Progress on Sandy Spring efficiency ratio target
Future balance sheet composition post-CRE sale?
2026 efficiency ratio drivers
Sustainable loan growth drivers beyond 2025?
Capital return strategy and CET1 targets
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Next Atlantic Union Bankshares earnings date
Investor Day 202510 Dec, 2025
Next Atlantic Union Bankshares earnings date
Investor Day 202510 Dec, 2025
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Frequently asked questions
Atlantic Union Bankshares Corporation is a financial holding company that operates through its banking subsidiary, Atlantic Union Bank. The company provides a range of banking and financial services including commercial lending, personal banking, mortgage origination, and wealth management. It serves customers across Virginia and neighboring states. Atlantic Union Bankshares Corporation is headquartered in Richmond, Virginia, and its shares are listed on the NASDAQ.
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